Assumes conventional 30-yr fixed mortgage, 20% down payment (NAR 2025 repeat-buyer median: 23%), 4.99% builder buydown rate available on select Vantage quick move-in homes. Insurance: PolicyGenius COS avg $249/mo (Mar 2026, $300K coverage); values scaled for home size and age premium — Colorado ranks 5th most expensive insurance market nationally. Utilities: Colorado Springs Utilities 2025 rate case (~$254/mo typical bill); scaled for home size and 2021 IECC energy-code efficiency differential. Maintenance: Bankrate 2025 (CO: $25,766/yr, 8th highest nationally) and NAHB age-based cost tiers. Rate benchmark: Freddie Mac PMMS 6.22% (March 19, 2026).
This calculator is provided for illustrative and educational purposes only and does not constitute a loan commitment, offer of credit, or financial advice. All figures are estimates based on standardized modeling assumptions and will vary based on individual circumstances, credit profile, property taxes, HOA fees, insurance rates, and market conditions. Actual costs may be significantly higher or lower than shown.
Regarding the 4.99% Builder Incentive Rate: This rate reflects a temporary builder-funded interest rate buydown available through Vantage Homes' preferred lender program on qualifying new construction purchases. The Annual Percentage Rate (APR) will be higher than the stated interest rate. This rate is not available to all buyers, is subject to credit approval, income verification, and property eligibility, and may be discontinued at any time without notice. The rate shown is a simple annual interest rate, not an APR. Contact a licensed mortgage professional for a personalized rate quote and Loan Estimate.
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